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GM 1210

Informing the Legislature that on May 29, 2025, the Governor signed the following bill into law: SB752 SD1 HD1 CD1 (ACT 110).

2025 Regular Session

Act 110 enhances consumer protection by requiring property insurers to give at least 20 days' notice before canceling policies, helping residents secure alternative coverage.

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Bill Summary · GM 1210

Summary of GM 1210: Proclamation of Act 110

Bill Information:
- Bill Number: GM 1210
- Title: Informing the Legislature that on May 29, 2025, the Governor signed the following bill into law: SB752 SD1 HD1 CD1 (ACT 110).
- Status: Received
- Introduced: May 29, 2025
- Classification: Proclamation
- Subject: Act 110

Purpose and Intent

GM 1210 serves as a formal proclamation from Governor Josh Green, M.D., to the Hawaii State Legislature, informing them that Senate Bill 752 (SB752), which relates to insurance, has been signed into law as Act 110. The primary intent of this legislation is to enhance consumer protection in the property insurance market by extending the notice period required for policy cancellations.

Key Provisions

  1. Extended Notice Period:

    • The bill amends Section 431:10-226.5 of the Hawaii Revised Statutes to require property insurers to provide written notice of cancellation to policyholders at least twenty days before the effective date of cancellation. This change applies specifically to policies covering residential properties, including multi-family units.

  2. Cancellation Due to Nonpayment:

    • For cancellations due to nonpayment of premiums, insurers are still required to give a minimum of ten days notice.

  3. Nonrenewal Notice:

    • Insurers must provide written notice of nonrenewal at least thirty days prior to the effective date of nonrenewal.

  4. Implementation Timeline:

    • The Act includes provisions for phased implementation, allowing insurers adequate time to adjust their operations to comply with the new notice requirements.

  5. Consumer Protection Emphasis:

    • The legislation aims to foster transparency and fairness in the insurance industry, ensuring that consumers have sufficient time to secure alternative coverage and make informed decisions regarding their insurance policies.

  6. Effective Date:

    • Act 110 is set to take effect on January 1, 2026.

Impact

  • Policyholders: The extended notice period will benefit consumers by providing them with more time to find alternative insurance coverage, thereby reducing the risk of being uninsured.
  • Insurers: Insurance companies operating in Hawaii will need to adapt their processes to comply with the new notice requirements, which may involve operational adjustments and potential costs associated with implementing these changes.

Procedural Aspects

  • The bill was passed by both the Senate and the House of Representatives of the Thirty-Third State Legislature on April 30, 2025, before being signed into law by the Governor on May 29, 2025.
  • The proclamation (GM 1210) was officially received by the legislature on the same day it was signed.

This summary provides an overview of GM 1210 and the associated Act 110, highlighting its purpose, key provisions, and the anticipated impact on both consumers and insurers in Hawaii.

Compiled from official sources — confirm details with the bill’s official record.

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